Term And Conditions
Welcome to FintechZoom Australia ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of the website located at fintechzoom (the "Site"), including any content, functionality, and services offered on or through the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use the Site.
FintechZoom Australia is operated by FintechZoom Pty Ltd, an Australian company registered in New South Wales (ABN: [Insert ABN], ACN: [Insert ACN]), with its principal place of business at [Insert Address], Sydney, NSW 2000, Australia.
1. Acceptance of Terms
1.1 These Terms constitute a legally binding agreement between you and FintechZoom Pty Ltd. By registering an account, browsing the Site, or using any services, you confirm that you have read, understood, and agree to these Terms.
1.2 You must be at least 18 years of age or the age of majority in your jurisdiction to use the Site. If you are under 18, you must have the consent of a parent or legal guardian to use the Site, and they agree to these Terms on your behalf.
1.3 We may update these Terms at any time by posting the revised version on the Site. We will notify you of material changes via email (if you have an account) or a prominent notice on the Site. Your continued use of the Site after such changes constitutes acceptance of the updated Terms.
2. Description of Services
2.1 The Site provides information, news, analysis, and resources related to fintech, financial technology, personal finance, investing, and related topics ("Services"). This includes articles, blogs, tools, newsletters, forums, and links to third-party resources.
2.2 The Services are provided for general informational purposes only. We do not provide financial, investment, legal, tax, or professional advice. Any content on the Site is not a substitute for professional advice tailored to your specific circumstances.
2.3 We strive to ensure the accuracy and timeliness of content but make no representations or warranties regarding its completeness, reliability, or suitability for any purpose. You use the Services at your own risk.
2.4 The Site may include interactive features such as user forums, comment sections, or subscription newsletters. Access to certain features may require registration and may be subject to additional terms.
3. User Accounts and Responsibilities
3.1 To access certain features, you may need to create an account. You agree to provide accurate, current, and complete information during registration and to update it as necessary.
3.2 You are responsible for maintaining the confidentiality of your account credentials and for all activities occurring under your account. Notify us immediately at admin@fintechzoom.com.au if you suspect unauthorized access.
3.3 You must not: (a) use the Site under false pretenses; (b) share your account with others; or (c) attempt to gain unauthorized access to other accounts.
3.4 We reserve the right to suspend or terminate your account for any reason, including violations of these Terms, at our sole discretion.
4. User Content
4.1 The Site may allow you to upload, post, or transmit content such as comments, reviews, or forum posts ("User Content"). You retain ownership of your User Content but grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, distribute, modify, and display it in connection with the Services.
4.2 You represent and warrant that your User Content: (a) does not infringe any third-party rights; (b) complies with applicable laws; and (c) is not defamatory, obscene, or harmful.
4.3 We are not responsible for User Content and may remove it at any time without notice. We do not endorse any User Content.
5. Intellectual Property
5.1 The Site and its original content (excluding User Content) are owned by us or our licensors and protected by Australian and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
5.2 You may print or download content for personal, non-commercial use, provided you retain all copyright notices. Commercial use requires our express permission.
5.3 If you believe your intellectual property rights have been infringed, please contact us at admin@fintechzoom.com.au with details for a DMCA-style notice.
6. Prohibited Activities
You agree not to:
- Engage in any unlawful activity or violate any applicable law.
- Post harmful, harassing, discriminatory, or spam content.
- Use bots, scripts, or automated tools to access the Site excessively.
- Attempt to interfere with the Site's security or functionality.
- Promote scams, phishing, or fraudulent schemes.
- Collect personal information from other users without consent.
We may monitor the Site for compliance and take appropriate action, including reporting to authorities.
7. Third-Party Links and Services
7.1 The Site may contain links to third-party websites or services (e.g., affiliate partners, financial tools, or social media). These are provided for convenience, and we are not responsible for their content, privacy practices, or availability.
7.2 Your use of third-party services is governed by their terms. We may earn commissions from affiliate links, disclosed where applicable.
7.3 Any financial products or services mentioned are not endorsed by us and are subject to separate terms and regulatory requirements under Australian law (e.g., ASIC guidelines).
8. Disclaimers and Limitations of Liability
8.1 Disclaimer of Warranties: The Site and Services are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee uninterrupted or error-free access.
8.2 Financial Disclaimer: Content is for educational purposes only. We are not a financial advisor, and no information constitutes personalized advice. Past performance is not indicative of future results. Consult qualified professionals before making financial decisions.
8.3 Limitation of Liability: To the fullest extent permitted by law, we, our affiliates, and personnel shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, even if advised of the possibility. Our total liability shall not exceed AUD 100 or the amount you paid us in the past 12 months (whichever is greater).
8.4 Nothing in these Terms excludes or limits liability for death, personal injury, fraud, or liability that cannot be excluded under Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)).
8.5 You agree to indemnify and hold us harmless from claims arising from your User Content, violations of these Terms, or infringement of third-party rights.
9. Termination
9.1 We may terminate or suspend your access to the Site immediately, without notice, for breach of these Terms.
9.2 Upon termination, your right to use the Site ceases, but Sections 4 (User Content), 5 (Intellectual Property), 7 (Third-Party Links), 8 (Disclaimers and Liability), 10 (Governing Law), and 11 (Miscellaneous) survive.
9.3 You may stop using the Site at any time. To delete your account, contact admin@fintechzoom.com.au.
10. Governing Law and Dispute Resolution
10.1 These Terms are governed by the laws of New South Wales, Australia, without regard to conflict of laws principles.
10.2 Any disputes arising from these Terms shall be resolved exclusively in the courts of New South Wales. You agree to submit to the non-exclusive jurisdiction of these courts.
10.3 For minor disputes, we encourage informal resolution. Contact us at admin@fintechzoom.com.au before initiating legal action. We aim to respond within 30 days.
11. Miscellaneous
11.1 Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and us.
11.2 Severability: If any provision is held invalid, the remainder remains in effect.
11.3 No Waiver: Our failure to enforce any right does not waive it.
11.4 Force Majeure: We are not liable for delays caused by events beyond our control (e.g., natural disasters, cyber-attacks).
11.5 Contact Us: For questions about these Terms, email admin@fintechzoom.com.au or write to FintechZoom Pty Ltd, PO Box [Insert], Sydney NSW 2000, Australia. Phone: +61 [Insert Phone Number].
By using the Site, you acknowledge that you have read and agree to these Terms. Thank you for visiting FintechZoom Australia!